The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
The standard term life insurance policy does not have cash value accumulation. However, you can consider a return of premium rider. Alternatively, you can convert the coverage to whole life so that you can borrow against the assets, or cash it in when the need arises. Return of premium pros and cons.